This is the kind of compact written recommendation a paid $10 audit would produce after the free diagnosis confirms that the case has real tradeoffs.
Do not switch providers just because the headline fee table looks cheaper. For this low-ticket plan, fixed per-order fees and international card share matter more than the base percentage. Test annual billing before migrating checkout infrastructure.
Stripe-style processing may show the highest take-home revenue if the product mostly sells domestically and tax operations are already handled. A merchant-of-record provider can still be worth considering if the team would otherwise spend meaningful time on tax, invoices, refunds, disputes, or buyer support.
The main risk is that a $9 monthly plan creates many small payments. A fixed $0.30 or $0.50 fee is a large share of each order, so moving some customers to annual billing can improve economics without changing providers.
This is not tax, legal, accounting, or financial advice. It is a practical checkout economics review: fee drag, operational tradeoffs, and next steps to verify before wiring payments.
Send your calculator result first. The diagnosis is free; a paid written audit only makes sense when the answer is not obvious.